Why Choose a Mortgage Broker Instead of Going Direct to a Bank? Here Are 7 Good Reasons.

Buying a home or refinancing is one of the biggest financial decisions you’ll make, and who guides you can mean a significant difference to not just your loan repayments, but your long term goals. I focus on personal service, practical advice, and long-term relationships. Here are seven ways working with me at Keystone can save you time, stress, and money while keeping your goals front and centre.

1. Personalised service

With Keystone Mortgage Brokers, you deal with me – Glen – from start to finish. I listen, ask the right questions, and tailor everything to your goals, lifestyle, and future plans. If you go directly to a bank – you’re often just a number. You might speak to different staff members each time, with little understanding of your long-term financial picture.

2. Access to many different lending options and competitive interest rates

Keystone has access to 50+ lenders, from major banks to non-bank options, to find you the best fit and most competitive deal. Whereas banks can only offer you their own limited products, even if another lender would be a better fit.

3. Strategic financial advice

You’ll get practical, ongoing advice about equity use, loan structuring, refinancing, and wealth building. We work on your goals together, and stay in track with your “passport to success.” My job is to help you build wealth, not just settle a loan.

4. No broker fees, clear disclosure

We don’t charge you a fee. We’re paid by the lender, and we’re transparent and disclose our commissions. While banks they may not charge a fee either, you often do all the legwork, paperwork, and comparison between lenders yourself.

5. Fast, flexible appointments

We come to you – your home, your workplace, on your time. We understand family and time pressures so we accommodate your schedule. This means more family members can be involved on the conversation if needed. The banks often require you to work around their schedule or queue up in a branch.

6. Support that continues after settlement

We stay in touch long after your loan is approved. Regular check-ins, help with refinancing, and strategy reviews are all part of the ongoing service we offer. You have wealth goals and we ensure your loan structures align with these, and if other styles of loans are available in the future that would be more beneficial, we’ll bring these to your attention. With banks, once the loan is settled, you’re often left to manage everything alone.

7. Ongoing relationship

We build long-term relationships with our clients, this is one of our key values and strengths. We become a part of your “circle of trust” and genuinely care about your goals and wealth outcomes.

Let’s start with a chat about your home loan needs

Let’s talk about your goals and find the loan that fits well with your life and your goals. No jargon, no pressure,  just clear advice and smarter ways to set up a loan structure to create equity and have enough money each month to live your life and manage what matters to you.

Phone us on 0430 511 500 or email me at glen@keystonemortgagebrokers.com.au.